Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.7 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Fair asset quality (4.1). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (25%), comm re (22%), home mtgs (13%), comm loans (4%), home eq lns (2%), consumer loans (2%), cash (1%), other (31%)
States with Branches:
OR
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Oregon Coast Bancshares, Inc.
Investment Rating
--
Address
909 SE Bay Boulevard
Newport, OR 97365
Newport, OR 97365
Phone Number
(541) 265-9000
Year Founded
2002
FDIC Number
Website
Largest Affiliates
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